Plannel to Launch Card Loan Service "Plannel Plus" with Application Eligibility up to Age 85 on March 31st
Plannel will launch "Plannel Plus," a card loan service allowing applications up to age 85, on March 31st.
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- 📰 Published: April 1, 2026 at 01:00
Plannel Co., Ltd. (Head Office: Chiyoda-ku, Tokyo, Representative Director: Hiromi Shinagawa, hereinafter referred to as Plannel), a member of the Nihon Bunka Center Group, will launch a new card loan service, "Plannel Plus," which allows applications from individuals aged 20 to 85, starting on March 31, 2026 (Tuesday). Furthermore, we will commence service in partnership with Seven Bank, Ltd. (Head Office: Chiyoda-ku, Tokyo, President & CEO: Masaaki Matsuhashi) through ATM collaboration on the same day.
■ "Plannel Plus" Allows Applications from a Wide Age Range of 20 to 85 Years Old
In recent years, not only has the diversity of financial needs expanded among young and middle-aged individuals, but with the extension of average life expectancy and healthy life expectancy, the financial needs of seniors for travel, unexpected medical expenses, appliance purchases, and more have also diversified.
Plannel will support the "desire to do it now" of a wide range of generations, including seniors who were previously unable to meet their financial needs due to age restrictions, by leveraging its unique screening expertise cultivated over 40 years of business history and its partnership with over 28,000 Seven Bank ATMs nationwide.
■ Product Details
Product Name: Plannel Card Loan "Plannel Plus"
Loan Amount: 10,000 JPY to 3,000,000 JPY
Loan Type: Revolving Credit Line (Unsecured for Consumers)
Interest Rate: 4.5% - 18.0% (Effective Annual Rate)
Late Payment Charge: 20.0% (Effective Annual Rate)
Repayment Method: Declining Balance Revolving Payment System (Principal and Interest)
Repayment Period: Maximum 8 years from the final borrowing date
Number of Repayments: 1 to 96 installments
Collateral/Guarantor: Not required
Application Method: Web completion (smartphone) and mail
Partner ATMs: Seven Bank ATMs
Available Hours: 2:00 AM - 11:45 PM (within the business hours of the ATM location)
※Please check the loan conditions and be careful not to borrow too much.
※We may not be able to meet your request depending on the screening results, and we appreciate your understanding.
■ 4 Features of "Plannel Plus"
1. Application Possible up to Age 85
With the extension of average life expectancy and healthy life expectancy, the number of active seniors is increasing. While many card loans have an upper age limit of around 70, Plannel Plus breaks through this "age barrier" to meet the financial needs of a wide range of generations.
2. Transactions Possible 365 Days a Year at Seven Bank ATMs
You can withdraw and deposit funds at over 28,000 Seven Bank ATMs nationwide. Seven Bank ATMs are installed in various commercial facilities, including Seven-Eleven stores, as well as airports, stations, and tourist destinations. Withdrawals and repayments can be made with simple operations by following the ATM screen guidance.
※Available hours: 2:00 AM - 11:45 PM, within the business hours of the ATM location.
3. User-Friendly Application Process for Everyone
We support both application completion via smartphone and "mail application" for those who are unsure about the operation. For any inquiries, our specialized staff will provide thorough support via a dedicated helpline.
4. "Peace of Mind Support System" to Support Sustainable Use
Prioritizing our customers' lives, we do not engage in aggressive up-limit solicitations. Furthermore, we are committed to providing flexible, personalized support for inquiries regarding repayments.
■ Company Information
Company Name: Plannel Co., Ltd.
Address: Kioicho Building, 3-12 Kioicho, Chiyoda-ku, Tokyo 102-0094
Representative: Hiromi Shinagawa
Business Activities: Consumer Loan Business Registration Number: Tokyo Governor (13) No. 07439
Member of the Japan Financial Services Association: No. 002797
Rent Guarantee Business: Minister of Land, Infrastructure, Transport and Tourism (1) No. 121
Phone Number: 0120-70-7777
Date of Establishment: September 11, 1984
Group Companies: Nihon Bunka Center Co., Ltd.
Alpha-L. Bunka Center Co., Ltd.
URL: https://www.0120-70-7777.jp/card (Plannel Plus Official Website)
Designated Dispute Resolution Institution for Loan Business contracted by our company:
Japan Financial Services Association Loan Business Consultation and Dispute Resolution Center
Contact Person
[Business Planning Department / Shimada]
FAQ
What is the upper age limit for applying for "Plannel Plus"?
"Plannel Plus" allows applications from individuals aged 20 to 85.
Where can "Plannel Plus" be used?
You can withdraw and deposit funds at approximately 28,000 Seven Bank ATMs nationwide. Application completion via smartphone is also available.
What is required for the application?
For web completion, a smartphone and identification documents (e.g., driver's license) are required. For mail applications, further instructions will be provided.
Is there a screening process?
Yes, there is a prescribed screening process. Please understand that we may not be able to meet your request depending on the screening results.
What are the repayment methods?
The repayment method is a declining balance revolving payment system (principal and interest). The repayment period is a maximum of 8 years from the final borrowing date.